Why Virgin Home Building Insurance?

What's in it for me?

Actually affordable

Save 15% on your first year's premium when you purchase Virgin Home Insurance online1

Quick and easy

Get cover in minutes with our easy online application process

Flexible for you

Affordable and flexible cover options, with 21 day cooling off period4

Really reliable

You can lodge an insurance claim online 24/7, or over the phone Mon to Fri 8am to 5pm, Sat 8am to 2pm (AEST)

Award winning

We must be doing something right, because our home and contents insurance just won The Mozo Experts Choice award for exceptional value5, 3 years’ running

Easy access 24/7

Manage your policy online with the Virgin Insurance Hub

What's covered?

What's covered?

Relax, we offer cover for life's unscripted moments like: 

  • Fire
  • Explosion
  • Theft or attempted theft
  • Malicious damage, vandalism, riot or civil commotion
  • Breakage of glass, ceramic and sanitary fixtures
  • Storm and rainwater
  • Lightning
  • Earthquake or Tsunami
  • Escape of liquid (e.g. pipes, drains, etc)
  • Impact at home (e.g. fallen tree/branch)


Cover limits
Repair or replacement of your home building  
Repair or replacement of your home contents
Legal liability
Up to $20 million
Temporary accommodation
Up to 10% of sum insured, up to 12 months
Debris removal and extra rebuilding costs
Up to 10% of sum insured
Funeral expenses Up to $7,000
Modifications to home Up to $5,000
Mortgage discharge costs Up to $750
Contents temporarily removed  
Contents lost or damaged in transit  
Replacement of locks and stolen keys
Unattached equipment  
Visitors’ uninsured contents  
Food spoilage  

This is a brief summary only. Conditions apply. Full details are contained in the Product Disclosure Statement (PDS).

Optional covers


Tailor your cover with our optional extras:

  • Flood Cover
  • Motor Burnout Cover
  • Accidental Damage Cover
  • Sum Insured Safeguard

For full details on this product please see the Product Disclosure Statement (PDS).